Hello Cory, 

Thank you for reaching out to the SmarterTools community. This is most likely a configuration issue. I would recommend checking your bindings and making sure that the loopback address is able to access the POP port. You can find this in Settings->Bindings->Ports. Please let me know if this helps. 

Kind Regards, 

Using netstat I show it's listening:

Inside configuration in smartermail I show the bindings correct:

If I telnet 127.0.0.1 110 I get OK PO3 server ready response. 

Is there some other test you can recommend to confirm it's configuration?

The only thing off in config that I can see is that I do have a ghost IP under bindings --> IP Addresses. There are no ports bound to it but it will not allow me to delete the IP.